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9+ years in personal finance writing
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Licensed property and casualty insurance agent
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NPN: 20461358
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
In Simi Valley, California, drivers pay an average of $215 per month for full-coverage insurance and $111 per month for liability-only policies.
Car insurance rates are generally higher in Simi Valley compared to the California state average. Simi Valley is less expensive for car insurance than Los Angeles, but it’s pricier to insure a vehicle in Simi Valley than in Thousand Oaks, a suburb about 20 minutes away.
Drivers in Thousand Oaks tend to have shorter commutes than drivers in Simi Valley, and it has a lower population density, so there’s less risk of collisions.[1]
Although Simi Valley has lower crime rates than nearby Los Angeles, according to Insurify data, Simi Valley has a much higher population density than the state as a whole, so there’s more congestion and a higher risk of accidents.
Compared to California’s average premium of $97 per month for liability coverage, Simi Valley drivers have higher rates. In Simi Valley, liability coverage costs an average of $111 per month.
Liability policies in Simi Valley must meet California’s minimum insurance requirements: $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability coverage.[2]
Rates vary by insurer, but we found that USAA is the cheapest insurer for liability-only policies in Simi Valley. Policyholders pay an average of $72 per month.
The table below shows the companies with the cheapest liability insurance rates in California.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Direct Auto | $86 |
| Root | $88 |
| Farmers | $93 |
| Anchor | $95 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $103 |
| Travelers | $106 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $180 |
Liability quotes in Simi Valley start at $72/mo.
The cheapest full-coverage insurance policy in Simi Valley is available through Aspire General, with an average premium of $133 per month.
In Simi Valley, full-coverage policies that include collision and comprehensive insurance can be worth the added cost. Simi Valley has many open preserves, such as the Upper Las Virgenes Canyon Open Space Preserve, so there’s a risk of collisions with wildlife like mountain lions.
Simi Valley is also at a high risk of wildfire damage, which full coverage would cover.[3]
The table below shows the cheapest full-coverage insurance quotes in California.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $122 |
| Root | $134 |
| GEICO | $140 |
| Mercury | $141 |
| USAA | $146 |
| Kemper Special | $159 |
| Kemper Rsvp | $163 |
| Sun Coast | $168 |
| Anchor | $177 |
| Dairyland | $196 |
| National General | $196 |
| Farmers | $207 |
| Direct Auto | $209 |
| Bristol West | $215 |
| State Farm | $224 |
| Travelers | $235 |
| 21st Century | $256 |
| First Acceptance | $340 |
| Chubb | $399 |
In general, drivers in Simi Valley pay lower rates for car insurance than drivers in more densely populated cities, such as Glendale. On average, Glendale drivers pay $263 per month for car insurance due, in part, to the city’s population density and higher rate of motor vehicle theft.
In California, the cheapest city for car insurance is Ridgecrest. Drivers in Ridgecrest pay a monthly average of just $107. Drivers in Ridgecrest tend to pay less because Ridgecrest has a much lower population density, and drivers there usually have shorter commutes. On average, Ridgecrest drivers spend just 17 minutes commuting to work, compared to the average of 27 minutes for Simi Valley commuters, according to the U.S. Census Bureau.
The table below highlights average monthly car insurance rates for cities in California.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
*Quotes generated for Insurify users in and around Simi Valley, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Simi Valley, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Simi Valley drivers rank relatively low for speed-related incidents. It ranks No. 50 out of 62 for the number of speed-related fatal crashes based on 2023 data from the California Office of Traffic Safety (OTS).
Drivers in Simi Valley who have speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions on their records usually have much higher rates. The following companies offer the cheapest liability coverage for different driving records.
Cheapest car insurance for Simi Valley drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Simi Valley: USAA
Cheapest car insurance for Simi Valley drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Simi Valley: USAA
In Simi Valley, there were 200 DUI arrests and 52 speed-related serious accidents in 2023.[4]
California adds points to your license based on how serious the infraction is, with speeding adding one point and accidents and DUIs adding two points.[5]
As an at-fault state, California requires drivers who cause a car accident to be financially responsible for the damage and injuries they cause.[6]
The table below shows the average monthly car insurance rates for people in Simi Valley based on their driving history.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $163 |
| Speeding ticket | $207 |
| At-fault accident | $209 |
| DUI | $222 |
Simi Valley is the third-largest city in Ventura County, and it’s just about 35 miles northwest of Los Angeles. As a result, it’s a frequent home for people who work in Los Angeles, adding to the city’s congestion.
The primary travel corridor is the 118 Freeway. During peak hours, such as morning and late afternoon or evening rush hour, expect heavy traffic and delays.
To address traffic issues, Simi Valley residents can take advantage of Ventura County’s rideshare programs. You can sign up for carpools, and Simi Valley has several park-and-ride locations.
Top attractions in the city include the Ronald Reagan Presidential Library and Corriganville Park, a location where Western movies and television shows used to be filmed. Annual events like the Simi Valley Street Fair and the Fall Harvest Festival tend to draw large crowds, so expect heavier congestion and delays.
Drivers also should be aware of Simi Valley’s high risk of wildfires. Ash, debris, and smoke can affect your visibility, and wildfires can total your car.
On average, Simi Valley drivers spend 27 minutes commuting to work, according to U.S. Census Bureau data. Most congestion occurs along the 118 Freeway, and ongoing roadway improvements and congestion near state Route 23 can add to your travel time.
Simi Valley has several construction projects underway, including the Madera Road Bridge Rehabilitation Project. This project will rehabilitate the existing bridge by resurfacing it and repairing the concrete, and drivers should expect periodic lane closures or detours.[7]
Simi Valley is strict about DUI enforcement, often holding DUI checkpoints as a deterrent, according to its police force.
Monthly rates start at $91 for drivers with an incident
About 20% of Simi Valley’s population is younger than 18, according to U.S. Census data. California teens can start their learner’s permit process at 15 and a half.[8]
As in other cities, teen drivers in Simi Valley pay higher rates for coverage than other age groups, with an average premium of $198 per month for liability-only coverage.
At $130 per month, USAA has the lowest average rates for Simi Valley teens.
The table below shows the cheapest quotes for teens in California.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $119 |
| Aspire General | $125 |
| GEICO | $125 |
| Sun Coast | $127 |
| Root | $131 |
| Mercury | $131 |
| Dairyland | $139 |
| National General | $143 |
| Direct Auto | $166 |
| Bristol West | $178 |
| Anchor | $180 |
| Farmers | $183 |
| Kemper Special | $184 |
| State Farm | $193 |
| 21st Century | $202 |
| Kemper Rsvp | $205 |
| Travelers | $217 |
| First Acceptance | $275 |
| Chubb | $363 |
About 17% of Simi Valley’s population is 65 or older, according to U.S. Census data. Simi Valley seniors tend to pay less for car insurance than other age groups, with an average of $101 per month for liability insurance.
California has a special program for drivers who are 55 or older. If you complete an approved course, you can qualify for a discount on your insurance premiums.[9]
The table below shows the cheapest insurers for seniors in California.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $55 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $64 |
| Sun Coast | $64 |
| Dairyland | $70 |
| Direct Auto | $72 |
| Farmers | $76 |
| Anchor | $78 |
| State Farm | $82 |
| Root | $83 |
| Travelers | $87 |
| Bristol West | $87 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| First Acceptance | $140 |
| Chubb | $140 |
The following information can help you find the most affordable car insurance in Simi Valley.
On average, Simi Valley drivers pay $215 per month for full-coverage insurance and $111 per month for liability-only policies, according to Insurify data.
The cheapest insurers for drivers in Simi Valley include USAA and Aspire General, and they have average monthly liability rates of $72 and $76, respectively.
If you live in Simi Valley, your age, driving history, ZIP code, vehicle make and model, and selected coverages and coverage limits affect your insurance costs. Local factors include weather risks, population density, and accident rates.
To lower the cost of car insurance in Simi Valley, request a quote from several insurance companies, compare discount offerings, or adjust your deductible.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
